813 Walnut St Windsor, CO 80550
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About this home
Located on one of Downtown Windsor's most prestigious streets, this meticulously restored 1909 hipped-roof, cottage-style bungalow perfectly blends historic charm with modern comfort. From the inviting front porch-complete with swing-in windows-to the original wood floors, lath and plaster walls, and period hardware, every detail reflects the home's rich heritage.In addition to city water service, the property features a permitted well, offering valuable versatility for gardening and other outdoor uses. Inside, the kitchen is equipped with sleek stainless steel Samsung appliances, while the newer furnace and central air ensure year-round comfort. All plumbing and electrical systems were completely updated in 2023 for added peace of mind.The primary bathroom highlights a new dual-sink vanity and a classic clawfoot tub, while the secondary bathroom includes a convenient laundry area and a wall of original wood siding that adds warmth and character.The spacious backyard-accessible from an adjoining alley-offers endless potential for an accessory dwelling unit (ADU), additional garage, extensive gardens, or a custom outdoor retreat.With its timeless character, thoughtful upgrades, and unique amenities, this exceptional home is a rare opportunity in one of Windsor's most desirable locations.
Source: RECO #IR1046210
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FAQs
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
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